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The tutorial explains how to write a personal loan agreement using a fillable form on a specified webpage, choosing the docHub PDF format for ease. Users can fill in the blanks, starting with the effective date, which the presenter sets to May 24, 2015. The borrower is identified as Johnny Appleseed, residing at 123 Apple Way, Appleville, Texas. He is lending money to his wife, Nancy Appleseed, who shares the same address. The agreement specifies that Nancy promises to repay the loan within one year, with the loan amount set at $10,000. The tutorial aims to guide users in completing their personal loan agreement efficiently.